State-by-State Minimum Insurance: A Snapshot
States define minimum limits differently. Here’s a quick look at a few notable examples:
- New York: Requires liability, PIP, and uninsured motorist coverage.
- Ohio: Requires only liability—$25,000 per person / $50,000 per accident for injuries.
- New Hampshire: No mandatory insurance—but you’re still liable for damages in a crash.
Key Coverage Types Explained
- Liability Coverage: Pays for injuries and damages you cause to others.
- Uninsured/Underinsured Motorist: Covers you if the at-fault driver has no insurance.
- PIP/MedPay: Pays for your medical bills regardless of fault.
Penalties for Not Meeting Minimums
Driving without required insurance can lead to:
- Fines and license suspension
- Car impoundment
- Higher future premiums
Conclusion
Minimum insurance requirements are your legal starting point—not your safety net. Review your state’s laws, then consider additional coverage to fill in the gaps. In a serious accident, the right insurance could save you from financial ruin.